Commercial Real Estate FinancingThe Smartest Moves You Can Make When It Comes to Commercial Real Estate Financing— Get up to 20 Million in Financing for Your Business

(Flexible, Reliable Solution for Business Funding)

We offer commercial real estate financing ranging from $100,000 – $20,000,000. You can use it for refinancing a property, even if doing a cash out refinance. Our funding programs include conventional property financing, money for investment properties, and hard money loans, bridge loans, and loans to buy commercial real estate. 

We offer financing for many different, even unique property types. Get funding for offices, industrial, offices (general or medical/ dental), industrial facilities, light manufacturing buildings, mixed use properties, commercial condos, auto dealerships, light auto services, day cares, assisted living facilities, entertainment venues, multifamily properties, retail warehouses, self-storage facilities, and more.

Fast Facts on Credit Suite Commercial Real Estate Financing


Approval Amount
UP TO $20,000,000


Credit Quality
Fair credit accepted (FICO score of 620 or better)

Real estate

Credit Quality
Bank statements

Why You Need Commercial Real Estate Financing

  • Get up to $20 million
  • Bad credit is accepted
  • Maximum LTV 75%
  • Loan to values range from 55 – 65% depending on loan purpose
  • Programs include conventional property financing, money for investment properties, and hard money loans, bridge loans, and loans to buy commercial real estate
  • Can also get SBA loans
  • Renovations get a loan to value of up to 60%
  • Can use it for refinancing a property, even if doing a cash out refinance
  • The real estate fulfills all collateral requirements
  • Can help build or improve your business credit score
  • Many DON'T report to personal Credit (some will)
  • Financing for different, even unique types of real estate

How Does It Work?

4-Step Process



Step 1

Complete the form for a one on one consultation with a representative


Step 2

Submit your application. Soft pull on your credit


Step 3

Get pre-qualified


Step 4

Meet directly with Commercial Real Estate Financing Advisors and get access to your financing

If you are NOT approved, you’ll find out why, as well as what you can do to get approved for other financing options that can still help you with your real estate goals!

How to Qualify for Funding With Commercial Real Estate Financing

Below are the requirements to qualify for Commercial Real Estate Financing:

Bank statements
Good management of business bank account (positive balances, no NSFs)
Real Estate Asset List for collateral
Personal financial statement
Minimum of two (2) open revolving account with a year and a half of good payment history
No bankruptcies within the past 7 years
Under 40% utilization on all revolving accounts
No open (unpaid) collections, liens or judgments

Fundability Factors Needed for Qualification


See what you qualify for today



This program offers a maximum LTV of 75%. Loan to values range from 55 – 65% depending on loan purpose. Renovations get a loan to value of up to 60%.

How Much Does It Cost?

If you don't get approved — you don't pay. 

Note: this is a form of financing where a personal guarantee may be required.


Multiple Finance Options All In One Place

Are you wondering if Commercial Real Estate Financing is right for you? Find out now, and if it isn't the best fit, we have multiple other options with easier qualifications and better terms. Find out how much you qualify for Commercial Real Estate Financing today with our Business Finance Blueprint Qualifier and let our team help you find the best option for your situation.


What is Commercial Real Estate Financing?

Commercial real estate (CRE) is income-producing property with just business (rather than residential) purposes. Examples include retail malls, professional offices such as for dentists, office buildings, and complexes. Financing, including the acquisition, development, and construction of these properties, often comes from commercial real estate loans. These are mortgages secured by liens on the commercial property. It works as a commercial loan for real estate financing.

How Does Commercial Real Estate Financing Work?

Commercial real estate loans are often made to business entities. 

These business entities include developers, corporations, limited partnerships, and funds and trusts. The entities are often formed for the specific purpose of owning commercial real estate.

If such a business entity does not have a financial track record or any credit rating, then the lender may require the principals or owners of the entity to guarantee the loan. 

Hence a person (or group of people) puts their property on the line. In case of loan default, the lender can recover from them.

If the lender does not require this type of guarantee, and the property is the only means of recovery in the event of loan default, this debt is a non-recourse loan. It means the lender has no recourse against anyone or anything other than the property.

What are Loan-to-Value Ratios for Commercial Real Estate Financing/What is LTV?

LTV is a calculation measuring the value of a loan against the value of the property. A lender calculates LTV by dividing the amount of the loan by the lesser of the property’s appraised value, or its purchase price. For example, the LTV for a $80,000 loan on a $100,000 property would be 80% ($80,000 ÷ $100,000 = 0.8, or 80%).

Borrowers with lower LTVs will qualify for more favorable financing rates than those with higher LTVs. This is because they have more equity (i.e., a stake) in the property. It works out to be less risky from the lender’s perspective.

Commercial loan LTVs tend to fall into the 65% to 80% range. While some loans may be made at higher LTVs, they are less common. The specific LTV will often depend upon the loan category.

What is Debt-Service Coverage Ratio (DSCR)?

SCR compares a property’s annual net operating income (NOI), to its annual mortgage debt service. This includes principal and interest. It measures the property’s ability to service its debt. You calculate it by dividing the NOI by the annual debt service.

For example, a property with $150,000 in NOI and $100,000 in annual mortgage debt service, would have a DSCR of 1.5 ($150,000 ÷ $100,000 = 1.5). The ratio helps lenders determine maximum loan size. That has a basis in the cash flow generated by the property.

What Does it Mean to Have a DSCR of Less than One?

A DSCR of less than 1 means a negative cash flow. For example, a DSCR of .93, means there is only enough NOI to cover 93% of annual debt service. In general, commercial lenders look for DSCRs of at least 1.25. This is to ensure adequate cash flow.

A lower DSCR may be okay for loans with shorter amortization periods, and/or properties with stable cash flows. Higher ratios may be required for properties with volatile cash flows. These include, for example, hotels. This is because hotels do not have long-term (i.e., more predictable) tenant leases, which other types of commercial real estate have.

What Sorts of Interest Rates and Fees Might You Pay with Commercial Real Estate Financing?

Interest rates on commercial loans tend to be higher than on residential loans. Commercial real estate loans also often involve fees adding to the overall cost of the loan. These can include appraisal, legal, loan application, loan origination, and/or survey fees.

Some costs must be paid up front before loan approval or rejection. Others apply annually. A commercial real estate loan may have restrictions on prepayment. The intention is to preserve the lender’s anticipated yield on a loan. 

If investors settle the debt before the loan’s maturity date, they may have to pay prepayment penalties

Is an SBA Loan a Good Alternative to Commercial Real Estate Financing?

You can invest in real estate with an SBA 7(a) loan, or an SBA 504 loan. Conventional bank loans are another option, as are hard money loans. Joint venture loans allow parties to share the risk and returns from commercial property investment, without having to formally enter into a real estate partnership.

However, SBA Loans are harder to qualify for, and generally won’t be available for anyone with bad credit.

Is a Commercial Mortgage from Freddie Mac or Fannie Mae, or a HUD loan a Good Alternative to Commercial Real Estate Financing?

You can get a commercial mortgage from Freddie Mac, or Fannie Mae. Or try credit unions, or even life insurance companies. Another option is HUD. 

However, qualifying for Fannie Mae or Freddie Mac does require higher credit scores. If you have  bad personal credit, then this is not a viable option.

Is an Online Marketplace Loan a Good Alternative to Commercial Real Estate Financing?

With an online marketplace loan, AKA a soft money loan, interest rates will be higher than conventional bank loans. But at least they are lower than loans from hard money lenders. For the most part, online marketplaces match borrowers with shorter-term loans. Terms run from six months to a few years. 

If you want longer terms, an online marketplace loan is not a good alternative.

Is Equity Crowdfunding for Real Estate Investors a Good Alternative to Commercial Real Estate Financing?

With equity crowdfunding, a property is listed on an equity crowdfunding site.

Most of the companies that list on real estate crowdfunding sites are commercial real estate businesses seeking funding for their endeavors. Regular Joe’s can invest in a commercial real estate portfolio. This is similar to investing in a stock market portfolio. Then they can enjoy the returns without actually buying an entire piece of commercial property.

In this way, commercial real estate investors can raise equity and avoid a loan. At the same time, individuals can enjoy the benefits of commercial real estate investing for as little as $500.

If you want to retain all your equity, then equity crowdfunding is not a good alternative to commercial real estate financing.

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